Year: 2023 | Faculty: FEB | Output status: Belum Terbit
Activity date status: Exact activity date not available in the accessible spreadsheet/public sources
Verification note: Only year 2023 is available in the spreadsheet.
Source metadata: PKM: The Impact of Financial Literacy on Budget Management, Case Study: Woman Without Debt Group of Zakat Sukses | Tim: Aimatul Yumna, Nadya Kirana Nareswari, Ratna Komalasari
Budget management is often treated as a private household skill, but it has broad social consequences. When families can plan spending, manage debt, and build savings, they become more resilient to economic shocks. UIII’s community engagement project on financial literacy among the Woman Without Debt group of Zakat Sukses addressed this issue by focusing on practical knowledge for everyday financial decisions.
The project examined the impact of financial literacy on budget management. It recognized that debt problems are rarely solved by advice alone. Communities need tools to read their income realistically, map obligations, distinguish essential from non-essential spending, and identify safer strategies for meeting urgent needs.
Women were central to the activity because they often manage the details of household finance. The program therefore treated women not as passive recipients of aid, but as financial actors whose decisions shape family well-being. With better literacy, they can negotiate expenses, plan savings, and reduce dependence on risky borrowing.
For UIII, the activity shows how economics and community empowerment can be combined. It also demonstrates the relevance of Islamic social finance and philanthropy when connected to concrete household challenges. Financial education becomes meaningful when it helps people regain control over choices that affect dignity and security.
A feature version can be framed around the transformation from anxiety to planning. It should include real examples from participants, with privacy protected, and describe how the training helped them think differently about debt and budgeting. Final publication should include the number of participants, activity location, and measurable outcomes if available. The core message is that financial literacy can become a pathway to independence when it is delivered with empathy and grounded in community realities.
